[Hiring] Pricing & Margin Management Analyst @Visio Lending

Role Description

Visio Lending is seeking a Pricing & Margin Management Analyst to play a key role in optimizing pricing, profitability, and growth across our DSCR and non-QM lending business. This is a highly analytical role that sits at the intersection of pricing, capital markets, sales, and finance.

You will analyze market conditions, loan-level data, pricing performance, and competitive intelligence to help determine where we are appropriately priced and where opportunities exist to improve volume and margin. You will make data-driven pricing recommendations, identify margin leakage, build reporting and financial models, and present insights to senior leadership.

This is an opportunity for a highly analytical finance professional who understands mortgage pricing and enjoys turning complex data into actionable business recommendations.

What You'll Do

• Pricing & Market Analysis
  • Monitor market factors that influence pricing, including Treasury and swap rates, SOFR, whole-loan buyer bids, securitization spreads, cost of funds, and warehouse carry.
  • Analyze rate sheet pricing across LTV, DSCR, FICO, loan size, property type, cash-out, interest-only, prepayment penalty structure, and state.
  • Recommend base rate and price-adjuster changes and quantify the expected margin impact.
  • Identify pricing opportunities where products may be priced above or below market.
• Margin Management
  • Maintain and analyze the company's margin waterfall from rate sheet pricing through realized execution.
  • Compare target and realized margins across products, channels, brokers, and account executives.
  • Identify sources of margin leakage and recommend pricing, policy, or process improvements.
  • Model the potential margin and volume impact of proposed pricing strategies.
• Pricing Analytics & Reporting
  • Build and maintain pricing and margin dashboards for leadership using tools such as Power BI, Tableau, or Excel.
  • Analyze lock volume, pull-through, and fallout by product, pricing tier, and channel.
  • Conduct structured pricing analyses and tests to evaluate volume and margin response.
  • Analyze and report on broker and channel economics, including points, compensation, and volume mix.
• Broker Pricing & Competitive Intelligence
  • Partner with Sales and executive leadership to create and maintain broker pricing tiers based on measurable performance.
  • Analyze broker performance using metrics such as pull-through, volume, cycle times, file quality, and loan performance.
  • Monitor competitor DSCR and non-QM pricing and product offerings.
  • Benchmark Visio's competitive position and use win/loss data and broker feedback to explain changes in volume.
• Pricing Governance
  • Produce monthly reporting on concessions, exceptions, pricing trends, and margin impact.
  • Document pricing methodology and the rationale behind rate sheet changes.
  • Support fair lending monitoring of discretionary pricing.
  • Partner with the pricing engine administrator to specify and validate rate sheet changes before release.
• FP&A Support
  • Build and maintain financial models supporting budgets, forecasts, and scenario planning that connect pricing and volume assumptions to company financial performance.
  • Support monthly close, budgeting, and forecasting through variance analysis.
  • Analyze loan-level and financial data for ad hoc requests from Finance and executive leadership.
  • Contribute to management reporting, board materials, and investor and warehouse lender reporting.
  • Take on other FP&A projects and analysis as assigned based on business needs.

Qualifications

• 3–5 years of experience in mortgage pricing, secondary marketing, capital markets analytics, FP&A, or a similar quantitative role at a lender or investor.
• Working knowledge of non-QM and DSCR lending, including pricing adjustments, prepayment penalties, and how loan execution influences rate sheet pricing.
• Strong understanding of gain-on-sale, basis points, spreads, cost of funds, and margin waterfall.
• Advanced Excel skills, including the ability to build financial and analytical models.
• Experience using SQL or an equivalent tool to independently pull, shape, and analyze loan-level data.
• Strong analytical and problem-solving skills with the ability to translate complex analysis into actionable recommendations.
• Excellent communication skills and the ability to present pricing recommendations and analytical findings to executive and sales leadership.

What we prefer to find

• Experience with LoanPASS, Polly, Optimal Blue, or similar pricing technology.
• Experience developing dashboards in Power BI or Tableau.
• Experience using Python or R for data analysis.
• Exposure to whole-loan trading or non-QM securitization.
• Bachelor's degree in Finance, Economics, Mathematics, or a related field.

Available Remote Locations

• AL
• AR
• AZ
• FL
• GA
• IL
• IN
• KS
• KY
• LA
• MI
• NC
• SC
• TX
• UT

Salary Range

$97,000 - $125,000 (Exempt level position)